Citrine Lending Solutions

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Citrine Lending Solutions

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25/12/2025

SMSF Limited Recourse Borrowing Arrangements - explained simply.

An LRBA is a key part of buying property through a Self-Managed Super Fund.

Understanding how it works helps you understand how risk is managed within the structure.

Save this if SMSF property is on your radar ⬇️
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09/07/2025

🧐 1 in 2 borrowers don’t know their home loan rate 🧐⁣
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New research shows more than half Aussie home owners with a mortgage are in the dark about their loan rate, according to Finder.⁣
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But ignorance isn’t necessarily bliss when it comes to a home loan. 🙃⁣
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Mortgage repayments could be your biggest household expense.⁣
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So, unless you know the interest rate you’re currently paying, it’s almost impossible to be confident you aren’t paying too much.⁣
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Call us today to get to know your loan rate. ⁣
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We can explain if you could potentially save on interest with a more competitively-priced loan. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

07/07/2025

🤔 How are most families using their recent mortgage savings? 🤔⁣
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The February and May rate cuts saw Australian families with an average home loan of $641,000 save about $200 a month each, according to Finder.⁣
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So how are they planning on using the extra money? ⁣
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Two in five plan to save it, says Finder. ⁣
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The same proportion (39%) are tipping the savings back into their loan or offset account to get ahead on their home loan.⁣
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And about 6% are treating themselves by spending it (and fair enough, too!). 😅⁣
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But with more potential rate cuts tipped for 2025, it’s probably worth thinking about yourself.⁣
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And if you want to find out more about offset accounts, or even refinancing, please get in touch. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

02/07/2025

🏡 Could home loan pre-approval help you buy in a FOMO market? 🏡⁣
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Two rate cuts plus expectations of more to come are seeing homes across the country being snapped up more quickly, says Domain.⁣
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In a quicker paced market, having home loan pre-approval could give you an edge over other eager buyers. 😁⁣
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Pre-approval can show that you’re a serious buyer, could enable you to negotiate harder on price, and potentially provide you with added confidence when bidding at auctions.⁣
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If you're keen to find out more about home loan pre-approval, get in touch today. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

30/06/2025

🏦 Are smaller lenders as dependable as the big banks? 🏦⁣
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It’s a question we’re often asked. 🤔⁣
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Rest assured, all legitimate lenders – big and small – face the same regulations from the same regulators*.⁣
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And it's our responsibility to only match you up with a loan from a reputable lender that meets these regulations.⁣
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But there can be differences between big and small lenders. 🍏🍊⁣
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Smaller lenders may offer a lower rate to try and stay competitive.⁣
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Larger lenders may offer a broader choice of loans or offer more loan features.⁣
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What matters is that you find the loan that matches your needs. 😁 ⁣
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Call us today for help finding the home loan that lets you kick your property goals. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

25/06/2025

🚓 How much can traffic noise impact property prices? 🚓⁣
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A study by PropTrack and Ambient Maps analysed noise pollution from busy roads, railways and air traffic. ⁣
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It then measured those findings against nearby property sale prices:⁣
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🛣️ Roads: an average decrease in property value of 6% for every 10 decibel (dBA) increase in noise. ⁣
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🚊 Rail: an average decrease of 4% was seen for every 10 dBA increase in noise.⁣
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✈️ Aircraft: 6-9% decrease for every 10 dBA increase (being under a flight path is about 20 dBA louder).⁣
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By way of example, a 5% decrease on a $1 million property is about $50,000.⁣
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If you’re in the market to buy, get in touch and we’ll assess your borrowing power to help give you a better idea of what you can afford. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

23/06/2025

🤝 More Australians are turning to mortgage brokers for help 🤝⁣
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Almost 8 out of 10 (76%) new home loans were organised with the support of a mortgage broker in the final quarter of 2024, according to MFAA statistics.⁣
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It’s the highest market share to date. 🙌⁣
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The fact is, more Australians are reaching out to their mortgage broker in uncertain times.⁣
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One of our primary roles is to help you get ‘finance ready’. 💪⁣
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Put us to the test.⁣
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Call us today for help to prepare for your next loan application or applying for government first home buying schemes. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

18/06/2025

👇 Fixed rates have been trending down 👇⁣
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March saw a whopping 39 lenders cut some or all of their fixed rates, according to Mozo research.⁣
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That’s seeing plenty of fixed rate loan options sit below what's on offer with variable rates.⁣
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Tempting, right? 🧐⁣
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Better still, you don’t have to lock in for years.⁣
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Many lenders are offering 1-year fixed rate terms with an interest rate that's lower than their variable rate options.⁣
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Now, we know there's been talk of more RBA cash rate cuts this year - but it's never a guarantee - so it’s worth thinking about fixing at the very least.⁣
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Talk to us to see if fixing – or a split rate – could work for you. 👍⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

16/06/2025

🙌 Home owners notch up gains of $230,000 in just 5 years 🙌⁣
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Home values have surged 39.1% since 2020 - which translates to an extra $230,000 to the national median home value, says CoreLogic.⁣
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The potential increase in your home’s value could mean a valuable rise in your equity. ⁣
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That’s money you could put to work ticking off personal or financial goals - like completing renovations or buying an investment property.⁣
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Call us today to find out whether you could be putting your home equity to work. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

11/06/2025

🔥 Affordable reno ideas to help keep your home cosy 🔥⁣
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Below are 3 simple ideas that could help keep your home snug and reduce winter power bills. ⛄️⁣
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🚪 Keep the cold out: up to 25% of winter heat loss can come from draughts. Fix gaps that are letting cold air in with door drafts and caulking.⁣
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⚡️ Rethink home heating: reverse cycle air-conditioners are the most energy-efficient heater (and cooler), according to the federal government.⁣
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🏠 Insulate: one-third of a home's warmth can be lost through the roof. Insulating your roof cavity can save you on heating and cooling over the long term. ⁣
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If you're planning a reno ahead of this winter but don't have a way to fund it, get in touch today and we'll help you explore your options. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

Address

PO Box 2211
Cronulla Beach, NSW
2230

Telephone

+61468996544

Website

http://www.citrinelendingsolutions.com.au/

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